You are in an accident which causes $3000 in damages to your car, and your policy has a $500 deductible for Collision and $300 for Comprehensive. If the other driver is at fault, what happens with the deductible?

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Quizplus · Accepted Answer

In this scenario, since the other driver is at fault, their insurance company will be responsible for paying for the damages to your car. However, you will still need to pay your deductible upfront. After the claim has been resolved, you can then claim reimbursement of your deductible from the other driver's insurance company. In this case, your collision deductible is $500, so you would pay that amount and then claim it back from the other driver's insurance company. The comprehensive deductible doesn't apply in this scenario since the accident was caused by another driver and not a comprehensive event (such as theft or vandalism).

You Are in an Accident Which Causes $3000 in Damages